You've saved for decades. The spreadsheet says you're fine. So why can't you book that trip to Italy? Why does buying nice coffee feel wrong? This isn't a financial problem—it's an emotional one. And it's incredibly common.

Money Scripts: The Invisible Backpack

• "There will never be enough"
• "Money is shameful / Rich people are bad"
• "I don't deserve nice things"

The challenge: You've trained for 40 years to accumulate. Now you need to distribute. Your brain hasn't caught up.

The Big Three Emotional Blocks

1. Scarcity Mindset - Tom has £1.8M but won't spend more than £45K/year. The fear isn't rational—it's hardwired.

2. Guilt & Permission - Margaret: retired teacher, £1M saved, felt physically sick before her dream cruise. Guilt steals joy.

3. Identity Loss - David: "I don't know what the money is for anymore." When money was proof you mattered, retirement is existential.

1. Name it, trace it - Where did this belief come from? Does it serve you now?

2. Practice spending - Start small. Buy the nicer coffee. Try a "guilt-free spending account." Retrain your brain.

3. Reframe it - You're not spending down savings. You're converting savings into life.

4. Separate worth from wallet - Your value isn't your net worth. Would you judge your loved ones for enjoying retirement?

5. Talk about it - Money emotions thrive in silence. Get help if you need it.

The difference between anxious wealthy retirees and fulfilled modest ones? Not the account balance. The internal relationship with money.

You're not broken. You're carrying old programming that doesn't fit your new reality.

Share your story: What money emotions are you carrying into retirement?

Humans vs Retirement Podcast - The messy, human side of retirement your financial advisor isn't covering.